| Metric | Frazer Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +4.4% | -2.5 pts |
| Deposit growth (YoY) | +1.8% | +4.0% | -2.2 pts |
| Loan growth (YoY) | -11.0% | +5.6% | -16.6 pts |
| ROA | 0.51% | 1.24% | -0.7 pts |
| ROE | 5.0% | 11.9% | -6.8 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $354.3M | $317.1M | $193.3M | $36.3M | $912K | 0.51% | 3.31% | 0.00% |
| Q1 2026 | $364.4M | $327.6M | $192.2M | $36.1M | $623K | 0.70% | 3.23% | 0.15% |
| Q4 2025 | $344.9M | $308.1M | $195.0M | $36.1M | $1.8M | 0.52% | 3.07% | 0.11% |
| Q3 2025 | $331.9M | $295.1M | $204.2M | $35.9M | $1.4M | 0.53% | 3.01% | 0.06% |
| Q2 2025 | $347.8M | $311.5M | $217.1M | $35.4M | $892K | 0.50% | 2.95% | 0.06% |
| Q1 2025 | $344.2M | $308.7M | $221.2M | $34.5M | $378K | 0.42% | 2.87% | 0.11% |
| Q4 2024 | $372.7M | $338.3M | $231.9M | $33.5M | $1.2M | 0.33% | 2.60% | 0.24% |
| Q3 2024 | $352.1M | $317.1M | $253.8M | $33.9M | $413K | 0.15% | 2.63% | 0.23% |
Loan mix (Q2 2026): real estate $147.5M · commercial $25.0M · consumer $7.1M · securities $83.3M
| Ratio | Frazer Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 1.24% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 11.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.9% | 62.9% | 85th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Frazer Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Frazer Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Frazer Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Frazer Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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